The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$68,726
−HK$4,310/mo
▼ 0.25% · 3.875%
HK$70,864
−HK$2,172/mo
Today · 4.125%
HK$73,036
baseline
▲ 0.50% · 4.625%
HK$77,480
+HK$4,444/mo
Deposit HK$15.07M · loan HK$15.07M · min. income ≈ HK$146,072/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$1,280,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,457
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$78,507
−HK$2,081/mo
Today · 4.125%
HK$80,588
baseline
▲ 0.50% · 4.625%
HK$84,836
+HK$4,248/mo
Deposit HK$15.07M · loan HK$15.07M · min. income ≈ HK$161,176/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$1,280,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,471
−HK$5,172/mo
▼ 0.25% · 3.875%
HK$85,036
−HK$2,607/mo
Today · 4.125%
HK$87,643
baseline
▲ 0.50% · 4.625%
HK$92,976
+HK$5,333/mo
Deposit HK$12.06M · loan HK$18.08M · min. income ≈ HK$175,286/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,280,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,748
−HK$4,957/mo
▼ 0.25% · 3.875%
HK$94,209
−HK$2,496/mo
Today · 4.125%
HK$96,705
baseline
▲ 0.50% · 4.625%
HK$101,803
+HK$5,098/mo
Deposit HK$12.06M · loan HK$18.08M · min. income ≈ HK$193,410/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,280,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,216
−HK$6,034/mo
▼ 0.25% · 3.875%
HK$99,209
−HK$3,041/mo
Today · 4.125%
HK$102,250
baseline
▲ 0.50% · 4.625%
HK$108,472
+HK$6,222/mo
Deposit HK$9.04M · loan HK$21.10M · min. income ≈ HK$204,500/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,280,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,040
−HK$5,783/mo
▼ 0.25% · 3.875%
HK$109,910
−HK$2,913/mo
Today · 4.125%
HK$112,823
baseline
▲ 0.50% · 4.625%
HK$118,770
+HK$5,947/mo
Deposit HK$9.04M · loan HK$21.10M · min. income ≈ HK$225,646/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,280,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,707
−HK$7,757/mo
▼ 0.25% · 3.875%
HK$127,555
−HK$3,909/mo
Today · 4.125%
HK$131,464
baseline
▲ 0.50% · 4.625%
HK$139,463
+HK$7,999/mo
Deposit HK$3.01M · loan HK$27.13M · min. income ≈ HK$262,928/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,280,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,622
−HK$7,436/mo
▼ 0.25% · 3.875%
HK$141,313
−HK$3,745/mo
Today · 4.125%
HK$145,058
baseline
▲ 0.50% · 4.625%
HK$152,704
+HK$7,646/mo
Deposit HK$3.01M · loan HK$27.13M · min. income ≈ HK$290,116/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,280,932 · Scale 2, in force from 26 Feb 2026)